Senior Analyst, Commercial Portfolio Management

Who we are:

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden and Fig.

Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.

Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank. ​

Home Trust: Home Trust Company has developed a track record of success as Canada’s leading alternative lender, employing nearly 800 people in our Toronto headquarters and branches across the country. Building on the demonstrated strength of its core residential mortgage lending business, the Company also offers complementary lending services, as well as highly competitive deposit investment products, through Oaken Financial. Our culture has been shaped by the passion and integrity of our people.

Join Home Trust as a Senior Analyst, Commercial Portfolio Management, reporting to Manager, Commercial Portfolio Management, and be part of our talented and growing team!

About the role:

This is a specialized position within Commercial Underwriting that will manage the oversight of the existing large commercial mortgage (“LCOM”) portfolio. The LCOM Senior Analyst, Commercial Portfolio Management is responsible for underwriting large commercial mortgage (including CMHC insured loans) renewals and annual reviews in accordance with on-going regulatory, risk and compliance requirements. The LCOM Senior Analyst will also be closely managing construction loans, including but not limited to analysing construction advances. Additional credit related and administrative duties are also required to support management and regulatory requirements.

What we’re looking for:

• Analyse and underwrite LCOM renewals and annual reviews as part of the ongoing portfolio oversight.
• Complete a detailed analysis of the borrower, real estate security and loan terms as well as identifying any associated risk.
• Communicate on a regular basis, with direct clients, third party servicers or internal partners regarding mortgages that are maturing and/or coming up for annual review. Request due diligence materials and follow up for any outstanding conditions precedent to renewal/annual review
• Monitor progress of construction loans, including but not limited to making prudent credit decisions on construction draws
• Ensure all files and the SAP system of record are accurate and complete. The annual review/renewal document should provide sound risk assessments and be well documented following Home’s policies, guidelines and procedures and meeting post-funding ERM quality assurance requirements
• Maintain workflow and complete the underwriting of annual review and renewal files within the target amount of time
• Maintain a high level of industry knowledge, competition and market trends
• Attain service standards for processing all mortgage transactions in accordance with Company policies and procedures.
• Communicate with internal and external partners to ensure that all transactions are processed efficiently and effectively.
• Assist in the management of the LCOM Portfolio, including the management of any special requests and problem loans as required.
• Assume a leadership position within the team.
• Escalate issues/obstacles/trends to the Manager or Director, Commercial Portfolio Management as appropriate with recommendations/solutions.
• Assist in on-boarding, coaching, mentoring and training team members as required.
• Adhere to HTC’s Internal Controls Policy and ensure all daily activities are in line with HTC’s Risk and Compliance Culture.
• Ensure timely completion of all Risk and Compliance training.
• Ensure all transactions adhere to and are appropriately risk rated with a sponsor, property and aggregate rating
• Maintain files in compliance with all aspects of Home Trust Company’s underwriting policies and guidelines per delegated authority matrices and applicable compliance obligations including Privacy, Anti-Money Laundering/ Anti-Terrorist Financing and internal Anti-Fraud Policy requirements
• Ensure Unusual Transaction Reports are filed as applicable to fulfil individual employee obligations to detect and deter financial crimes activity
• Assist in the preparation and presentation of monthly, quarterly, and annual reports for senior management, as necessary.
• Participate in special projects or other new initiatives as needed.

Job Qualifications:

• Post-secondary degree or diploma in related area or discipline; University degree in related discipline an asset
• Additional relevant accreditation(s), certification(s) are considered strong assets
• 2+ years of experience working in an administrative environment within the mortgage industry
• Understanding of commercial mortgage products
• Strong organizational, time-management and analytical skills to work effectively with established guidelines
• Able to multi-task and flourish in a fast-paced, deadline-driven work environment
• Strong interpersonal relationship building and listening skills
• Proven ability to work both independently and collaboratively within a team environment
• Excellent written / verbal communication and professional maturity
• Understands Home Trust Company’s lending criteria and culture
• Remains current on OFSI Guidelines and other applicable legislation
• Strong knowledge of MS Office, especially Excel; loan adjudication software

What you’ll love about working here:

• Award-Winning Culture: We’re proud to be recognized as a and one of by Canada’s Top 100 Employers.
• Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.
• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.
• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.
• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.
• Future-Ready Savings: Group Retirement Savings Plan with up to 7% employer match.
• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.
• On-Site Fitness: Gym access at our London and Montreal offices.
• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.
• Family Support: Parental leave top-up program to help you during life’s big moments.
• Community Impact: One paid volunteer day to give back to causes that matter to you.

What you can expect - pay & process:

• Expected base salary range is $63,200 - $75,000 per year, plus the opportunity to earn an annual incentive bonus tied to performance.
• This posting is for an existing vacancy within our organization.
• Artificial intelligence may be used in parts of the recruitment process.
• All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.

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